Ukuqonda indleko zonyango lomhlaza webele

Eli nqaku linika isishwankathelo esibanzi sezinto ezibangela indleko zonyango lomhlaza webele, ukunceda uhambisele ubunzima bemali kwaye ufumane ubutyebi bokhathalelo olunokufumana imali. Siza kuphonononga iindlela ezahlukeneyo zonyango, i-inshurensi yokugubungela, kunye neenkqubo zoncedo lwezezimali ziyafumaneka ukunciphisa umthwalo we Ixabiso lokufumana i-clocy yomhlaza.

Izinto ezichaphazela iindleko zonyango lwebele

Uhlobo lonyango kunye nenqanaba

Ixabiso le Ixabiso lokufumana i-clocy yomhlaza Ihluka kakhulu kuxhomekeka kuhlobo lomhlaza webele, inqanaba layo ekufumeni kwesifo, kunye nesicwangciso esiyimfuneko sonyango. Inqanaba lokuqala lebele linokubandakanya unyango oluncinci oluncinci njengotyando kunye nemitha, okukhokelela kwiindleko eziphantsi xa kuthelekiswa namanqanaba enqanaba elifuna i-chemotherapy, unyango olujolise kwi-Hormone, kwaye lunokwenzeka kwiinkqubo ezinokubakho. Amayeza athile asetyenziswa nefuthe kwixabiso elipheleleyo.

Indawo yonyango

Indawo yejografi idlala indima ebalulekileyo ekumiseleni iindleko zononophelo. Unyango kwiindawo ezisezidolophini ngexabiso eliphezulu-lokuphila elihlala libiza kakhulu kunakwiindawo ezisemaphandleni. Udumo kunye nokuzibandakanya kwendawo yezonyango ikwanempembelelo kumaxabiso. Umzekelo, iziko elikhethekileyo lomhlaza linokuhlawulisa ngaphezulu kwesibhedlele ngokubanzi.

I-Inshurensi yeinshurensi

I-Inshurensi yezeMpilo ichaphazela kakhulu iindleko zepokotho Ixabiso lokufumana i-clocy yomhlaza. Inqanaba lokugubungela liyahluka kakhulu kuhlobo lwesicwangciso seinshurensi (E.G., HMO, i-PPO), i-PPO, i-PPO), i-DPO, i-CO-Pays, kunye ne-Co-Pays ephezulu. Kubalulekile ukuba bayiqonde ngokupheleleyo ipolisi yakho yeinshurensi kwaye uqhagamshelane nomboneleli wakho ukucacisa ukujongwa konyango kunye namayeza.

Iindleko ezongeziweyo

Ngaphandle kweendleko zonyango ngqo, kukho iindleko ezongezelelweyo ekufuneka uziqwalasele. Oku kunokubandakanya iindleko zokuhamba, indawo yokuhlala, iindleko zamayeza zingagutyungelwa yi-Inshurensi, unyango lomzimba, kunye neendleko zokulawula iziphumo ebezingalindelekanga kunyango. Ezi ndleko zinokuqokelelwa ngokukhawuleza, ukongeza kumthwalo wezemali ngokubanzi.

Ukuhambahamba kweendleko: Izixhobo kunye noNcedo

Iinkqubo zoncedo lwezezimali

Imibutho emininzi inikezela ngeenkqubo zoncedo lwezezimali ukunceda izigulana zilawula iindleko zonyango lomhlaza webele. Ezi nkqubo zinokubonelela ngeenkxaso-mali, iinkxaso-mali, okanye ukunceda ekuhambiseni inkqubo yokufaka isicelo seenkqubo zoncedo lukarhulumente. Ukuphanda ngezi zixhobo kubalulekile ekufumaneni inkxaso.

Ukuxoxisa iindleko zezonyango

Kuhlala kunokwenzeka ukuba thethane iindleko zezonyango, ngakumbi iindleko ezinkulu okanye ezingalindelekanga. Uninzi lwezibhedlele kunye nababoneleli bezempilo bazimisele ukusebenza nezigulana ukuba zenze isicwangciso sokuhlawula okanye ukubonelela ngezaphulelo. Ungathandabuzi ukuqhagamshelana neSebe leNtlawulo ukuze uxoxe ngeendlela ozikhethele kuzo.

Amaqela eNkxaso kunye nemibutho eNgezelelweyo

Ukunxibelelana namaqela enkxaso kunye nemibutho yenkxaso yokunikezelwa kwi-clancer yebele inokubonelela ngenkxaso yemvakalelo enkulu kunye nengcebiso esebenzayo yokulawula umthwalo wezemali. Le mibutho ihlala inezixhobo kunye nolwazi kwiinkqubo zoncedo lwezezimali kunye nezicwangciso zokuhambahamba kwenkqubo yezempilo.

Ukufumana ukhathalelo olufikelelekayo: Inkqubo elungeleleneyo

Ukufumana unyango olunempumelelo nomhlaza olusebenzayo lwebele lufuna ucwangciso ngononophelo nophando. Kubalulekile ukulinganisa ukuqwalaselwa kweendleko ngomgangatho wokhathalelo kunye nobuchule beqela lezonyango. Ukubeka phambili ukhetho lomboneleli wezempilo onikezela ngesicwangciso esibanzi sonyango esijongene neemfuno zakho ezithile. Ngelixa ufuna Ixabiso lokufumana i-clocy yomhlaza Izinketho zibalulekile, akufuneki ukulalanisa umgangatho kunye nokusebenza konyango lwakho. Cinga ngokudibana ne-oncologist yakho kwaye ufuna uluvo lwesibini ukuqinisekisa ukuba ufumana isicwangciso sononophelo.

Qaphela: Iindidi zeendleko ziqikelelo kwaye zinokwahluka kakhulu kuxhomekeke kwizinto ezixoxwe ngasentla. Nxibelelana nomboneleli wakho wezempilo ukuze ufumane ulwazi lweendleko ezichanekileyo ezifanelekileyo kwimeko yakho ethile.

Ngolwazi oluthe kratya kunye nenkxaso enokubakho, unokunqwenela ukuphonononga izixhobo ezikhoyo kwi IZiko loPhando lweShandong Baeo.